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Super Members Council report has found that unpaid super leaves women $26,000 worse off in retirement

Women are being made $26,000 poorer in retirement due to unpaid super

Read the report

A new Super Members Council report reveals that unpaid superannuation is costing Australian women heavily, leaving the average working woman with over $26,000 less at retirement.

One in four women miss out on super each year amounting to $1.9 billion annually and $15.5 billion over the past decade which worsens the gender super gap.

Young, low-income women are the most affected, with nearly half of those under 30 earning less than $25,000 missing part or all of their super.

Researchers recommend Payday Super laws as an urgent reform to address the growing issue of unpaid super.

The Australian Government has promised that the Payday Super laws will come into effect on 1 July 2026.

However, this change wasn’t legislated in the latest parliament sitting. This may lead to delays in solving the problem of issues in savings for millions of Australian women.

The SDA Union has been advocating for Pay day super over several years including to the Federal Government.

In April this year, we made a submission to the Commonwealth Treasury Consultation about this issue.

November 2025 Update: Payday super law passed

On 4 November 2025, the Federal Government legislated the new Payday Super law. It will come into effect on 1 July 2026.

This change is a win for workers – the new law will mitigate problems with savings for millions of Australian women.

You can read more about SDA Union advocacy for improvements to your super below.

 

Latest News

Read more about SDA Union's work on improving your super

Union win: Payday Super
“Superannuation is a fundamental part of your rights at work that the SDA has and always will strive to protect and improve. To drive greater compliance by employers the SDA is pushing for legislative change to ensure superannuation is paid on pay day.
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National
Super on every dollar
“In August, the Federal Government introduced the Paid Parental Leave Bill into the House of Representatives. If passed, this legislation will ensure that superannuation is paid on all Government Paid Parental Leave from 1 July.
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Queensland